Riverside County Bridge Lenders for Residential Investment Property

Are you seeking a bridge loan secured by residential property in Riverside County? On this page you'll find a list of select bridge lenders for Riverside County investment properties with 1 to 4 units. To get a 1st lien bridge loan, you must have at least 30% equity. Due to state laws and regulations, it's not possible to get a bridge loan for a homestead (owner-occupied primary residence) or 2nd home, but if that's what you're seeking, use the filters to change the loan type to 'Residential Owner-Occupied' and you may find some alternative lending options.
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RCN Capital

Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans

$75,000 - $10,000,000
12 to 360 months
8.00% - 13.00%
2.00% - 5.00%
Center Street Lending

Smarter Loans for Residential Investors

$100,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
Nationwide Mortgage - California

Bridge, Rehab, Construction, & Rental

$100,000 - $10,000,000
4 to 360 months
7.25% - 12.50%
0 - 2.00%
PrideCo Loans Inc.

Family Office Hard Money Lender for Multifamily and Residential Investment Properties

$150,000 - $3,000,000
6 to 18 months
10.50% - 12.00%
1.00% - 2.00%
Arch Loans

Low and High Leverage Options, up to 90% of purchase price for fix & flip

$100,000 - $10,000,000
1 to 12 months
8.00% - 15.00%
1.00% - 3.00%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
Secured Capital Lending

Direct Private Lender for California Investment Properties

$100,000 - $20,000,000
12 to 360 months
8.99% - 11.99%
1.00% - 2.00%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
MOR Financial

Hard Money Bridge Loans for California and Florida Properties

$100,000 - $3,000,000
6 to 60 months
10.99% - 12.99%
1.00% - 3.00%
SDC Capital

Family Office Lender. No 3rd-party appraisal (typically). Soft Money Terms in 1st or 2nd Lien Position.

$250,000 - $5,000,000
3 to 24 months
8.99% - 9.99%
1.00% - 2.00%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
7.20% - 12.10%
0.25% - 2.50%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%

California Bridge Loan Interest Rates

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According to the loan documents software company, Lightning Docs, the average interest rate for California residential property bridge loans in the 2nd quarter of 2024 was 11.11%. The average loan amount was $682,721. These stats are the average of 1,398 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in California between April 1, 2024 and June 30, 2024 by multiple lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.

Although California bridge loan interest rates tend to be lower than other states, the data includes a lot of 2nd mortgages, which typically have higher rates than 1st mortgages. 2nd mortgages are quite common in California. In most other states, 2nd mortgages are non-existent in bridge lending.

Here is a breakdown of average interest rates in California’s metropolitan areas:

Los Angeles Metro Area 
The average interest rate for Los Angeles bridge loans in the 2nd quarter of 2024 was 11.76%. The average loan amount was $703,562. Of the 593 total loans in the 3-month period, 468 were secured by properties in Los Angeles County, 106 in Orange County and 19 in Ventura County.

San Francisco Bay Area
The average interest rate for Bay Area bridge loans in the 2nd quarter of 2024 was 10.88%. The average loan amount was $789,494. Of the 237 total loans in the 3-month period, 58 were secured by properties in Alameda County, 56 in Santa Clara County, 38 in Contra Costa County, 33 in San Mateo County, 26 in San Francisco County, 16 in Marin County, and 10 in Solano County.

San Diego
The average interest rate for San Diego bridge loans in the 2nd quarter of 2024 was 11.07%. The average loan amount was $744,446. The averages are derived from 263 loans secured by properties in San Diego County.

Inland Empire
The average interest rate for Inland Empire bridge loans in the 2nd quarter of 2024 was 11.20%. The average loan amount was $487,292. Of the 132 total loans in the 3-month period, 77 were secured by properties in Riverside County and 55 in San Bernardino County.

Sacramento
The average interest rate for Sacramento bridge loans in the 2nd quarter of 2024 was 11.29%. The average loan amount was $495,169. The averages are derived from 27 loans secured by properties in Sacramento County.

Central Valley
The average interest rate for Central Valley bridge loans in the 2nd quarter of 2024 was 11.48%. The average loan amount was $301,872. Of the 87 total loans in the 3-month period, 35 were secured by properties in Fresno County, 24 in San Joaquin, 13 in Tulare County, 10 in Kern County, and 5 in Stanislaus County.

 

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According to private lending data provider, Analytics Logics, the average interest rate for bridge loans secured by residential investment properties in California in the 1st quarter of 2024 was 10.69%. Lenders charged an average of 1.4% points (origination fee). The average LTV (loan-to-value) for bridge loans in California was 64%, and the average loan amount was $808,910. These stats are the average of all the loans which were funded between January 1, 2024 and March 31, 2024 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.

Top 10 California Bridge Loan Lenders

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According to Forecasa™, here are the Top 10 Bridge Lenders ranked by the number of bridge loans originated in California from June 2023 to May 2024.

  1. Kiavi
  2. Center Street Lending
  3. Conventus LLC
  4. Anchor Loans
  5. Val Chris Investment Inc
  6. Easy Street Capital
  7. Genesis Capital
  8. Merchants Mortgage and Trust Corporation
  9. Wholesale Mortgage Bankers (Fidelity Lending Solutions)
  10. Velocity Commercial Capital

Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform.

Select a Metro Area

California is an enormous state, and most bridge lenders are selective about where they lend, so filter your search by selecting a metro area:

Northern California: SF Bay Area | Sacramento | Lake Tahoe

Southern California: Los Angeles | San Diego | Orange County | Riverside County | San Bernardino County | Santa Barbara

Central California: Central Valley | Bakersfield | Fresno

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